Admiral vs Aviva: Compare Car Insurance

Is Admiral or Aviva the better solution for you? This in-depth, feature-by-feature breakdown will help you select the best car insurance for you and your wallet.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Admiral and Aviva are two of the largest car insurance companies in the UK. Both come with many 'must-have' features, but they do not offer equal products. The team at NimbleFins has compared each company's car insurance offering to help readers trying to decide which might be the superior product for their needs.

Quick Overview: Admiral vs. Aviva Car insurance

Each company offers a different set of features, which can make it difficult to decide which is best for you. Below we recap some of the best features of each, as well as what's missing. From our comparison, the two policies are set apart primarily by their courtesy car and EU coverage. But there are other differences to keep in mind as well. Find out more below, where we've compared Aviva's comprehensive cover to Admiral's base level of comprehensive cover (they also sell Gold and Platinum plans, which offer more features/some higher limits)...

What we like about Admiral

Admiral comprehensive car insurance, rated 4 out of 5 stars by our editors, is superior to Aviva for the following notable reasons:

  • EU cover (up to 90 days included as standard)
  • Stereo and satellite nav (better cover for aftermarket additions)
  • Courtesy car for repairs if use approved repairer
  • You can upgrade to Gold or Platinum for more features/higher limits

What we like about Aviva

Aviva, rated 3.5 out of 5 stars by our editors, is superior to Admiral for the following notable reasons:

  • Slightly lower cancellation/mid-term changes (online)
  • Some overnight accommodation or public transport cover after accident (£150)
  • Higher cover for lost or stolen keys

Here's a quick, high level comparison of how Admiral and Aviva compare on cost, features, customer service access and customer ratings.

Car Insurance ComparisonAdmiralAviva

Cheaper for our sample driverMore expensive for our sample driver

Superior Features
  • 90 days EU cover standard
  • Courtesy car for repairs
  • Cheaper for our sample driver
  • Cheaper fees
  • Some cover for transport/hotel after accident

Customer Service Access
Webchat and phones lines open 7 days a week, including bank holidaysWebchat and phones lines open 7 days a week, including bank holidays

Customer Ratings
  • Trustpilot 3.6 out of 5
  • FOS Complaint Rate 2.34
  • Trustpilot 4.5 out of 5
  • FOS Complaint Rate 6.03
Read NimbleFins' Admiral ReviewRead NimbleFins' Aviva Review

Get Admiral QuotesGet Aviva Quotes

Admiral vs Aviva Overall Review

We compared the policy features of the basic Admiral and Aviva comprehensive car insurance policies. There are four main differences between them: courtesy car, EU cover, transport/hotel after accident and key cover limits.

Admiral offers the same cover in the EU for up to 90 days as standard and includes a courtesy car if your car is in the repair shop after an accident (so long as you use an approved repairer). With Aviva, you need to pay extra for these perks.

However, Aviva does offer a courtesy car some cover for transport/hotel if your car can't be driven safely after an accident. And they have higher cover if your keys are lost or stolen. If these features are important to you, be sure to take note of this.

Note, for the purposes of this article, we are comparing Aviva comprehensive cover to Admiral comprehensive cover (Admiral also sells higher tier Gold and Platinum policies that include more features/higher limits).

Find full details and more in the table below:

How Do They Compare?Admiral Comprehensive CoverageAviva Comprehensive Coverage

"Must Have" Features


BelongingsUp to £150Up to £150


Up to £300, as long as not lost/stolen from your vehicleCover for replacement locks if keys stolen or lost

Protected NCD

If you buy the add onIf you buy the add on

Car recovery after accident

Courtesy car (repairs)Included, if you use an approved repairerIf you buy the add on

Repairs guaranteed (if use approved repairer)

Repairs guaranteed for as long as you own the vehicle (parts guaranteed under manufacturer's warranty)At least 3 years

"Should Have" Features

New car replacement

Theft or if cost to repair more than 59% of list price; cars up to 12 months oldIf the cost of repairing will be more than 60% of UK list price (inc. taxes); vehicle must be less than 1 year old; you must be the first and only registered keeper and legal owner
Stereo and satellite navEquipment fitted by the manufacturer is covered in full. For 'aftermarket' equipment up to £1,250 or market value of your car, whichever is the lowerIf permanently fitted to your vehicle
Alternative transport & Hotel after accidentNot includedUp to £150 total
24-hour emergency helplineIncludedIncluded
Courtesy car (total loss or theft)If you buy the add onIf you buy the add on
Motor legal expensesIf you buy the add onIf you buy the add on
Breakdown coverIf you buy the add onIf you buy the add on

"Could Have" Features

Same cover in EU

Up to 90 daysAdd on available if you call at least two weeks prior
Child car seat replacement after accident, theft, fireIncludedIncluded
Larger/premium courtesy carIf you buy the add on (theft/write off only)If you buy the add on

Uninsured driver NCD protectionIncludedIncluded

Cancellation fee

No cancellation fee during 14 days if cover hasn't started. Otherwise, £38 + IPT*£0 cancellation fee during cooling off period if cover has not started; otherwise £38 + IPT

What we don't like about Admiral

Admiral lacks coverage for the following features:

  • No alternative transport/hotel after accident
  • Lower key cover

What we don't like about Aviva

Aviva provides worse coverage for the following features:

  • No same EU cover as standard
  • No courtesy car as standard

Admiral vs Aviva Cost Comparison

The table below compares what many see as a deal breaker … the cost.

For our sample driver, it appears that Admiral's comprehensive policy is cheaper when paying one annual payment.

The monthly payment is also lower and it is important to acknowledge they require 11 monthly payments rather than 10. This allows for the deposit to be over £50 cheaper than Aviva.

However, as we always say, quotes are very case sensitive and you must get your own quotes before making any decisions.

What Policy?AnnualMonthly
Admiral Comprehensive£543.20£48.60 (11 payments, £48.73 deposit)
Admiral Third Party, Fire and Theft£424.48£37.98 (11 payments, £38.05 deposit)
Aviva Comprehensive£655.00£57.68 (10 payments, £109.17 deposit)
Aviva Protected NCD£79.00£6.58
Aviva Motor Legal£29.00£2.42
Aviva Courtesy Car (total loss, theft or repairs)£27.00£2.25
Aviva Breakdown Cover£45.62£3.80
Aviva Foreign Use£28.00£2.33

These quotes are based on 22-year-old Essex-based male driving a 2008 Ford Fiesta, 8,000 miles a year. He parks at home. They have been driving for 4 years and has 3 years no claims.

This quote is for a young driver, hence why they are so high. Drivers with more experience can pay up to 45-50% less than the premiums listed here.

Admiral vs Aviva Reviews and Ratings Compared

It is always good to observe customer reviews as it shows how their clients are enjoying (or not enjoying) their service.

Below, you'll see that Aviva has a higher Trustpilot rating but a lower rating than Admiral. The Trustpilot rating better than nearly 1 and a half stars, with 76% of reviews being a full five stars. Only 55% of people gave Admiral five stars.

However, Aviva's FOS complaint ratio is significantly higher than Admiral. This suggests that maybe customer service is a weak spot for them.

Review SiteAdmiral RatingsAviva Ratings
Trustpilot3.6 out of 54.5 out of 5 customer service rating2.8 out of 52.2 out of 5
FOS Complaint Ratio2.346.03

Aviva vs Aviva Cancellation Fees Compared

Unfortunately, sometimes we need to cancel our car insurance. In which case, it is important to know what it will cost you.

The table below shows that Admiral will either refund fully or in proportion to how many days you've been covered (plus an admin fee). Whereas, Aviva will charge £38 (plus IPT) once cover has started.

Where the biggest difference lies is with mid-term admin changes. Aviva allow free changes if made online or charge £18 (plus IPT) if you have to do it over the phone. Admiral, on the other hand, will charge anywhere between £9.50 to £65. If you think there's a chance of needing a mid-term change, bare this in mind.

When Are You CancellingAdmiralAviva
During cooling off£0 or (if cover has started) £38 + IPT£0 or (if cover has started) £38 + IPT
After cooling off period£38 + IPT£38 + IPT
Mid-term admin changes£9.50 to £65£0 (online), £18 + IPT (over Phone)

Important Phone Numbers

In the unfortunate event you need to contact customer service, both Admiral and Aviva have similar opening times. When it comes to their webchat services, Admiral have significantly better opening times — especially on Sundays.

See full details below:

Opening HoursAdmiralAviva
Customer Service (Mon-Fri)8am-7pm8am-8pm
Customer Service (Sat)9am-5pm8:30am-5pm
Customer Service (Sun)9:30am-4pm10am-4pm
Customer Service (Bank Holiday)9:30am-4pm10am-4pm
Webchat (Mon-Fri)7am-10:45pm8am-8pm
Webchat (Sat)8am-7:45pm8:30am-5pm
Webchat (Sun)8am-7:45pm10am-4pm
Emergency Hotline24-hour24-hour

Admiral Contact Numbers

Admiral Contact Numbers
Customer Service (UK)0333 220 2000
Renewals0333 222 6715
Claims (in UK)0333 220 2033

24 Hour Helplines
Windscreen Claims0333 220 2025
Accident recovery0800 600 840

Policy Documents

More information about Admiral car insurance policies can be found by reading their policy documents.

To read about the full details of an Aviva policy, including what's covered and exclusions, read through the Aviva car insurance policy documents here.

Ryan S. Gladwin

Ryan S. Gladwin is an Essex-based writer with a passion for teaching others what he has learnt. While studying for his Multimedia Journalism degree he realised that writing about the things he loved (music, culture and finance) was what he wanted to do as a career.

Since graduating he has written for publications such as Insider, Dummy,, and more. Now he also writes for NimbleFins, where he aims to help people financially empower themselves. Find more about him on LinkedIn.


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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